After being lifelong renters in NYC, my wife and I have decided to become FIRST TIME HOME OWNERS. Remember the SECOND CITY TV character, Count Floyd. In between making bets with his bookie, he hosted a cable TV show for kids. His tag line was: Ohhhhhhh kids, scary, scary stuff. Often followed by a less-then heartfelt howl. Well, that's the way I feel about becoming a first-time homeowner. Ohhhhh, kids very scary.